Call reports 2003
WILLIAMSVILLE STATE BANK AND TRUST — 2003
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 86,967,000 | 89,153,000 | 89,527,000 | 89,964,000 |
| Total loans | 46,191,000 | 55,269,000 | 57,673,000 | 58,384,000 |
| Allowance for loan losses | 534,000 | 558,000 | 604,000 | 612,000 |
| Securities available for sale | 32,262,000 | 25,050,000 | 24,461,000 | 25,983,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,309,000 | 76,284,000 | 74,806,000 | 75,879,000 |
| Interest-bearing deposits | 63,895,000 | 64,921,000 | 66,906,000 | 67,015,000 |
| Noninterest-bearing deposits | 10,414,000 | 11,363,000 | 7,900,000 | 8,864,000 |
| Equity capital | 6,278,000 | 6,506,000 | 6,466,000 | 6,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,289,000 | 3,451,000 | 4,606,000 |
| Interest expense | 526,000 | 1,023,000 | 1,497,000 | 1,953,000 |
| Net interest income | 621,000 | 1,266,000 | 1,954,000 | 2,653,000 |
| Noninterest income | 224,000 | 379,000 | 527,000 | 677,000 |
| Noninterest expense | 509,000 | 1,031,000 | 1,567,000 | 2,183,000 |
| Provision for loan losses | 50,000 | 70,000 | 130,000 | 150,000 |
| Pretax income | 414,000 | 637,000 | 888,000 | 1,087,000 |
| Income tax | 154,000 | 199,000 | 255,000 | 223,000 |
| Net income | 260,000 | 438,000 | 633,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,994,000 | 6,172,000 | 6,367,000 | 6,543,000 |
| Total capital | 6,528,000 | 6,730,000 | 6,971,000 | 7,155,000 |
| Risk-weighted assets | 43,929,000 | 47,130,000 | 47,851,000 | 49,679,000 |